"I tell every student class I get, high school students, university students, you know, they'd be better off if they never used credit cards now. Now if you use them and you pay at the end of the month so you don't start revolving, that's another question. But I can't make money if I'm out borrowing, you know, at whatever the rate may be — 12 percent, 14 percent, 16 percent . . . I think if credit cards didn't exist, I think probably the economy would be better off."